Cash Advance Apps
What is Empower cash advance?

What is Empower cash advance?

By Editorial Team
Last Updated: Aug 06, 2026

Empower is a cash advance app that lets you borrow small amounts of money, typically from $10 up to $500, to cover short-term needs. The funds can be sent instantly to your bank account for a fee or delivered for free through standard processing. Repayment is automatic and tied to your next paycheck, and you can’t take out another advance until the current one is fully repaid.

There are no interest charges or late fees with Empower, and no credit check is required to qualify. The app determines your eligibility and advance amount based on your income, expenses, and savings patterns to ensure you can repay reliably. It also includes a cash management account where you can deposit, withdraw, and transfer money, with the balance earning interest at 3.30% APY.

To use Empower’s cash advance, you must be a U.S. resident at least 18 years old, not subject to IRS backup withholding, and have enough income to repay the advance. The service is not available in Connecticut, Maine, or Washington, D.C. There is an $8 monthly subscription fee after a 14-day trial for first-time users, and optional fees apply for instant delivery of funds.

Does Empower give cash advances?

Yes, Empower offers cash advances from $10 up to $500, depending on your eligibility. The amount you can borrow is based on your income, expenses, and savings patterns, and the app only offers what it thinks you can repay reliably. Repayment happens automatically on your next payday, with no interest or late fees. You need to pay an $8 monthly subscription fee to access the cash advance feature after a 14-day trial (or immediately if you’re a returning user). You can get your advance instantly for a fee between $1 and $8, or choose free standard delivery, which takes 1 to 2 business days.

Table of contents

Does Empower give cash advances?Advance amounts, fees and repayment termsEmpower cash advance requirementsOther features

Advance amounts, fees and repayment terms

Advertised advance amounts
$10 - $500
Monthly fee
$8.00
Time to get cash
1–2 business days
Expedite fee
$1-$8
Time to get cash with express fee
Under 3 minutes

Empower cash advance requirements

To qualify for an Empower cash advance, you need to be at least 18 years old and a U.S. citizen or resident alien living in the U.S. You must not be subject to IRS backup withholding. Your eligibility depends on your current financial situation, including your income, expenses, and savings patterns, to ensure you can reliably repay the advance. You also cannot have another cash advance outstanding—you must repay any prior advance before taking a new one. Note that the cash advance feature is not available to residents of Connecticut, Maine, or Washington, D.C.

Other features

Besides the cash advance feature, Empower offers several other tools to help you manage your money.

Cash management account

Empower provides a checking-and-savings-style account where you can deposit, withdraw, and transfer funds. You get account and routing numbers to set up direct deposit, making it easier to handle your paycheck and bills all in one place.

Savings and spending tools

The app includes AutoSave, which automatically moves money you can afford into savings based on your spending patterns. It also offers spend tracking and credit tracking features so you can keep an eye on your finances and credit health.

Interest-bearing balance

Any money you keep in your Empower account can earn interest at a rate of 3.30% APY, helping your savings grow over time without extra effort.

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